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JPM vs JRVR

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
JRVR
James River Group Holdings, Inc.
NEUTRAL
Price
$6.20
Market Cap
$285.0M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
JRVR
7.47
Forward P/E
JPM
13.42
JRVR
5.0
P/B Ratio
JPM
2.47
JRVR
0.53
P/S Ratio
JPM
5.03
JRVR
0.41
EV/EBITDA
JPM
--
JRVR
6.64

Profitability

Gross Margin
JPM
0.0%
JRVR
37.87%
Operating Margin
JPM
41.06%
JRVR
18.2%
Profit Margin
JPM
33.91%
JRVR
6.9%
ROE
JPM
16.13%
JRVR
7.88%
ROA
JPM
1.35%
JRVR
0.94%

Growth

Revenue Growth
JPM
2.5%
JRVR
32.4%
Earnings Growth
JPM
-3.6%
JRVR
--

Financial Health

Debt/Equity
JPM
--
JRVR
0.5
Current Ratio
JPM
--
JRVR
1.86
Quick Ratio
JPM
--
JRVR
0.28

Dividends

Dividend Yield
JPM
1.91%
JRVR
0.65%
Payout Ratio
JPM
28.97%
JRVR
4.82%

AI Verdict

JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)
JRVR NEUTRAL

JRVR presents a classic 'value trap' profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health. While the stock is significantly undervalued on a Price-to-Book (0.53) and Graham Number ($14.79) basis, this discount is justified by extreme earnings volatility and a history of massive quarterly misses. Strong top-line revenue growth of 32.4% is offset by an unstable bottom line and poor operational health scores. The current price of $6.20 sits near the growth-based intrinsic value, suggesting limited upside until financial stability is proven.

Strengths
Deeply undervalued Price-to-Book ratio of 0.53
Strong year-over-year revenue growth of 32.40%
Low Forward P/E of 5.00 suggesting cheap earnings relative to expectations
Risks
Critical Piotroski F-Score (2/9) signaling poor financial health
Extreme earnings volatility with frequent and massive EPS misses
Severe long-term price erosion (5-year change of -86.2%)

Compare Another Pair

JPM vs JRVR: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and James River Group Holdings, Inc. (JRVR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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